Our commitment creates value for society and has a positive impact on the economic activity of the scope in which we operate, on our customers, shareholders, professionals, suppliers and on the environment.
We follow strict guidelines:
Ethical, socially responsible and sustainable conduct
Maximum service quality
Economic efficiency
Long-term view in decision-making
Permanent innovation
Benchmarks in the management model
Our socially responsible management model has led us to be listed in the most prestigious global sustainability rankings, and to be evaluated by leading sustainability analysts, who place us among the highest-rated financial institutions.
In order to act as a centre of excellence and to provide value to others, our policies reflect the values and principles that we apply in our internal and external professional relations, in all areas of our activity.
Key ethics and integrity policies
Trust is one of the main pillars of CaixaBank, and consequently the group is transparent and guided by the values of integrity, honesty and coherence. We manage our tax obligations and tax compliance in keeping with these values, as are aware of our contribution to sustainable development and the social and economic growth of our society.
Corporate tax risk management and tax procedure policy
Access to the Tax Report on the Taxes Managed by the CaixaBank Group:
Our priority is to respect the fundamental right of personal data protection, as well as to preserve the confidentiality of the data we manage of our customers, suppliers and collaborators.
The Privacy Committee, which reports to the Management Committee, is the governing body and decides on all aspects related to privacy and personal data protection.
In our commitment to anti-money laundering and countering the financing of terrorism, we establish measures and periodic reviews to prevent, as far as possible, our products and services from being used for illegal practices.
The preventive measures are basically organised around enhanced due diligence measures applied for those customers and situations where there is a higher risk of money laundering. Specific highlights include:
In addition, our teams receive training and ongoing refreshers to discretely and actively prevent money laundering.
We have a socially responsible and rigorous approach to the marketing of our products. Through our Transparency Committee, we work to guarantee transparency in the design and marketing of our financial instruments, banking products and savings and investment insurance.
Our Product Committee, which reports to the Transparency Committee, oversees the quality and effectiveness of new products and services, and assesses their characteristics, associated risks and their adaptation to the standards of transparency and customer protection.
We are also voluntarily associated to "Autocontrol", the Independent Advertising Self-Regulatory Organisation, which follows good advertising practices.
At CaixaBank, we take into account sustainability factors in the provision of our advisory services with regard to investment and discretionary portfolio management and other products. We are committed to sustainability, and we are strongly implicated with social, economic and environmental development, with a view to providing the best products and services to our customers.
We take into account ESG criteria (environmental, social and good governance) in our investment analysis process, as well as traditional financial and risk criteria. In addition, and in keeping with the regulations on the disclosure of information regarding sustainability in the financial services sector, we work on improving communication on the application of sustainability criteria in investment decision-making.
We carry out numerous initiatives to integrate these sustainability factors into the management of our products, in compliance with the corporate framework of sustainability risk established for the CaixaBank Group, as well as with numerous international agreements and standards in this area that place us as a benchmark company in sustainable investment.
Declaration of Due Diligence Policies in relation to adverse incidents
Briefing note on the coherence of remuneration policies with the integration of sustainability risks
Processing of sustainable fixed income in the CaixaBank Group
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